Since I wrote about the length of time Lloyds is taking to pay agreed PPI refunds more readers have sent us their complaints and I have passed these on to Lloyds to investigate. In 2011 banks agreed £1bn in PPI refunds. All should all have been paid by now – but it hasn't.

Banks are expected to settle missold PPI complaints within eight weeks but this does not include the time taken to send out the cheques. The rules state that payment must be made promptly, without defining "promptly", but could reasonably be taken as 28 days. Anyone who has already complained to the Financial Ombudsman about PPI can also object if they are waiting longer than this, but if they haven't already complained they would be treated as new complainants and their complaint will take longer to process.

This is what Lloyds' customers say: "There is an outrageous expectation that you should sit tight and just wait for a seemingly infinite timescale for money that you are due."

"This claim to date has taken 234 days and seems to be no nearer to a conclusion than when I started."

"In December I received a part payment of £8,290 from the £20,700 refund agreed. I am still waiting for the balance."

"We are owed over £6,000 and have no idea when we will receive payment although it was promised in writing last August and within 28 days."

"I was told I would not get the money by the date I had been given, they couldn't give me a date. They had no idea when I would get my money."

You can email Margaret Dibben at your.problems@observer.co.uk or write to Margaret Dibben, Your Problems, The Observer, Kings Place, 90 York Way, London N1 9GU. Please include a phone number.